Home Insurance in Highland Beach, Florida
The median home value in Highland Beach is $909,200, 103% higher than the Palm Beach County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Highland Beach was built around 1983. About 4% of homes were built before 1960, about 4 points below Palm Beach County's 8%.
In Highland Beach, the housing stock is 11% single-family homes and 86% apartments in buildings with 5+ units.
28% of owner-occupied homes in Highland Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 49%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Highland Beach are owner-occupied.
95% of homes in Highland Beach are primarily heated with electricity.
Palm Beach County had 128,176 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Palm Beach County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $909,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Palm Beach County | 128,176 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)